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Epic Contributor
Creditaddict
Posts: 22,116
Registered: ‎10-23-2007
0

Re: Asked for Macy's store card upgrade

 


tsquad131 wrote:

I just got approved for the store card and called in and asked if i could upgrade to the american express card and they told me they put in a request but it wouldn't result in a hard pull. Havent called back and checked the status on the upgrade yet


If you just applied recently, I wouldn't put in a request now because when you apply your already considered for the amex first and if you don't qualify they then consider you for the store card.  Unless they are somehow using the credit pull they already have, applying for the amex card is a hard pull

 

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Frequent Contributor
tsquad131
Posts: 474
Registered: ‎09-12-2010
0

Re: Asked for Macy's store card upgrade

Yeah I think that is what the customer service representative told me since i had applied recently they will use my credit report they just pulled because it was very recent

FICO scores - 727 TU(Walmart)/ 727 EX(Amex app)/ 721 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($2,000), Discover More($3,000), Chase Freedom($2,000), Fidelity Amex($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000) ,Citi Simplicity($2,000), Paypal SmartConnect($3,100), Walmart Store Card($2,350), Chase Amazon Visa($700), Target RedCard($500), Capital One Cash Rewards($750), Best Buy Store Card($1,900), HHGregg($2,000), Amazon Store Card($1,250),Newegg Preferred Account($2,000), Park West($2,000), BankAmericard Travel Rewards($5,000)
Established Contributor
Ulan
Posts: 790
Registered: ‎09-09-2008
0

Re: Asked for Macy's store card upgrade

 


Creditaddict wrote:

 


tsquad131 wrote:

I just got approved for the store card and called in and asked if i could upgrade to the american express card and they told me they put in a request but it wouldn't result in a hard pull. Havent called back and checked the status on the upgrade yet


If you just applied recently, I wouldn't put in a request now because when you apply your already considered for the amex first and if you don't qualify they then consider you for the store card.  Unless they are somehow using the credit pull they already have, applying for the amex card is a hard pull

 


I think that's only true if he applied in store. Online applications seem to only yield a store card.

 

Epic Contributor
Creditaddict
Posts: 22,116
Registered: ‎10-23-2007
0

Re: Asked for Macy's store card upgrade

 


Ulan wrote:

 


Creditaddict wrote:

 


tsquad131 wrote:

I just got approved for the store card and called in and asked if i could upgrade to the american express card and they told me they put in a request but it wouldn't result in a hard pull. Havent called back and checked the status on the upgrade yet


If you just applied recently, I wouldn't put in a request now because when you apply your already considered for the amex first and if you don't qualify they then consider you for the store card.  Unless they are somehow using the credit pull they already have, applying for the amex card is a hard pull

 


I think that's only true if he applied in store. Online applications seem to only yield a store card.

 


oh yes, sorry you are correct... didn't even think about if they had applied online

 

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Frequent Contributor
tsquad131
Posts: 474
Registered: ‎09-12-2010
0

Re: Asked for Macy's store card upgrade

I applied in store I just wanted to see if they will reconsider for amex if i called the backdoor number tomorrow

FICO scores - 727 TU(Walmart)/ 727 EX(Amex app)/ 721 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($2,000), Discover More($3,000), Chase Freedom($2,000), Fidelity Amex($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000) ,Citi Simplicity($2,000), Paypal SmartConnect($3,100), Walmart Store Card($2,350), Chase Amazon Visa($700), Target RedCard($500), Capital One Cash Rewards($750), Best Buy Store Card($1,900), HHGregg($2,000), Amazon Store Card($1,250),Newegg Preferred Account($2,000), Park West($2,000), BankAmericard Travel Rewards($5,000)
Epic Contributor
Creditaddict
Posts: 22,116
Registered: ‎10-23-2007
0

Re: Asked for Macy's store card upgrade


tsquad131 wrote:

I applied in store I just wanted to see if they will reconsider for amex if i called the backdoor number tomorrow


what limit did you get on the store card?

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Frequent Contributor
tsquad131
Posts: 474
Registered: ‎09-12-2010
0

Re: Asked for Macy's store card upgrade

only $600

FICO scores - 727 TU(Walmart)/ 727 EX(Amex app)/ 721 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($2,000), Discover More($3,000), Chase Freedom($2,000), Fidelity Amex($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000) ,Citi Simplicity($2,000), Paypal SmartConnect($3,100), Walmart Store Card($2,350), Chase Amazon Visa($700), Target RedCard($500), Capital One Cash Rewards($750), Best Buy Store Card($1,900), HHGregg($2,000), Amazon Store Card($1,250),Newegg Preferred Account($2,000), Park West($2,000), BankAmericard Travel Rewards($5,000)
Valued Contributor
oracles
Posts: 1,699
Registered: ‎08-18-2007
0

Re: Asked for Macy's store card upgrade

thanks everyone for making me more aware that it is a hard pull since i've had my card since 2006.

 

If i was to get a macy's amex card, would the date opened be the orignal 2006 date since they are both macy's cards (going off of what amex does with backdating) or todays's date if i was to get it now. thanks


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